Poway Insurance Rates:

Poway, CA homeowners insurance is about $550 to $750, about $45-$62/month. Our comprehensive guide shows customers can save as much as $260 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Progressive
I'd recommend these guys for the price point and the fact that you can customize coverage. I have used other companies and while this one could definitely be better, it will do and it is better than others.
Geico
The customer service of geico is wonderful. They always go above and beyond to fulfil all of my needs. I would definitely rate them a 5.
Nationwide
I only went with this company because they insured the previous home owners so them knowing the location already made the process more simple, I wouldn't have someone go out of their way to have this company.
State Farm
My experience with home insurance company's customer service has been good. Each time that I've reached out my questions or issues were resolved in a friendly timely manner.
State Farm
Im not sure every single detail of my policy.I do know I have a deductible for any claim I submit.
Geico
Excellent service and good discounts. To rate them on a scale from 1 to 5 where '1' means bad and not at all satisfied and '5' means extremely satisfied, I would give them a 4.
Amica Mutual Insurance
At amica you pay a bit of premium for coverage but you know that you have the best service and claims support in the business.
Progressive
I also like the fact that they have been a player in the insurance business for a good number of years.
Old Republic Home Protection
One thing that i liked about my home warranty was that it was pretty much all inclusive(mostly). i had the top of the line home warranty plan and it covered a lot of items that would normally cost a lot of money, however, the company had provided with reasonable price to me
State Farm
I still feel premiums could be a bit lower vs deductibles and overall coverage. Maybe an easy to read chart of price breakdown vs coverage to make the best-informed decision.
State Farm
They offered us a very good premium compared to others that we checked out. It was a lot lower and offered us a lot more.
Allstate
It could be a lot simpler and interpretative. It really takes a lot of time in loading all the information that is needed.
Allstate
We often get letters in the mail to buy additional insurance such as life insurance. I am not interested in these, but they keep sending. Once a year, they offer a review, but I think it's just an opportunity for them to upsell.
Liberty Mutual
This insurance was a bit more expensive then the others. I went with it because they had good reviews and is a well known company. Many of my friends uses it too.
Geico
They are quick painless and affordable. They are easy to get a hold of. Their application is great and so is there website. Quick wait times. Easy process.

Poway, CA Homeowners Insurance By Home Value

Poway, CA Home Value Total Homes % of Total Average Poway, CA Homeowners Insurance
Less than $50,000 182 5.0% $26
$50,000 to $59,999 77 2.0% $65
$60,000 to $69,999 82 2.0% $78
$70,000 to $79,999 100 2.0% $91
$80,000 to $89,999 40 1.0% $104
$90,000 to $99,999 74 2.0% $117
$100,000 to $124,999 85 2.0% $136
$125,000 to $149,999 46 1.0% $169
$150,000 to $174,999 131 3.0% $201
$175,000 to $199,999 94 2.0% $234
$200,000 to $249,999 254 7.0% $279
$250,000 to $299,999 257 7.0% $344
$300,000 to $399,999 1,946 57.0% $435

Top Home Insurance Agents Near Poway, CA

Home Insurance Company Near Poway, CA Homeowners Insurance Agency Near Poway, CA Address
State Farm Dave Murphy 12121 Scrps Summit Dr Ste 100, San Diego, CA, 92131-4609
State Farm James Cassady 9560 Cuyamaca St Ste 104, Santee, CA, 92071-2689
Farmers Shawn Huskey 1908 S EL CAMINO REAL # D, San Clemente, CA, 92672
Farmers Silvia Monroy 25096 Jefferson Ave # B3, Murrieta, CA, 92562
Liberty Mutual Independent Whiteboard Risk & Insurance Solutions Llc-Sc 9655 Granite Ridge Dr 2Nd Fl, SAN DIEGO, CA, 92123

Poway, CA Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Poway, CA

Streets in Poway Area Homeowners Insurance Cost
Dana Vista St, Paine Pl, Las Manzanitas Rd, Shady Oaks Ln, Sandown Ct, Kay Dee Ln, Roxboro Ct, Racquet Ct, Rosemont Ln, Platinum Pl$657
Iavelli Way, Fiddletown Rd, Valewood Rd, Silver Heights Rd, Valle Verde Rd, Mundial St, Kentfield Dr, Fidelio Ct, Gregg Ct, Triumph Dr$684
Cam del Sabio, Misty Blue Ct, Jenell St, Sage Trl, Old Pomerado Rd, Sunshine Peak Ct, Cassini Ct, Mount Woodson Rd, Grosse Pt, Woodson View Rd$675
Carriage Heights Way, Springbrook Dr, Highlands Ranch Ter, Rancho Suenos Dr, Fairtree Ter, del Poniente Rd, Harrow Ln, Aspen Ct, Traylor Rd, Crestwood Ave$643
Fantasia Way, Adobe Ridge Dr, Creekstone Ln, Alderidge Ln, Hedgetree Ct, Blanco Ct, Crosswinds Rd, Bronco Way, Midgrove Ct, Glen Arven Ln$704
Fairgate Dr, Via Dena Loma, Eagles Creek Ct, Putney Rd, Ann Arbor Ln, Country Hill Rd, Tierra Bonita Rd, Ramona Highlands Dr, Vista Lomas Dr, Courier Way$698
Saint James Dr, Buechner Dr, Sespe Pl, Belvedere Dr, Roberto Rio Rd, Serafina Ln, Waynes Way, Tawny Way, Casa Vista St, Alando Pl$696
Holly Tree Ln, Oak Grove Rd, Mazatlan Ct, Berlin St, Silver Ridge Rd, Quail Xing, Whispering Tree Ln, Tawanka Dr, del Pena Ct, Saddlewood Dr$631
Blue Ridge Trl, Valle Verde Rd, Woodmont St, Orange Blossom Ln, Casa de Carol, Antelope Station, Shady Oaks Dr, Jardin Rd, Snug Harbor Ln, Vaughan Rd$661
Highlands Ranch Rd, Ochre Ct, Highland Mesa Dr, Aedan Ct, Los Nietos Ave, Halper Rd, Celestial Ct, Nemo St, Holly Fern Way, Bridlewood Rd$704

Poway, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Poway$97 to $99
Eucalyptus Hills$93
Fairbanks Ranch$109
Ramona$94

Poway, CA Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Eucalyptus Hills CDP, California $94 $125 $188
Santee city, California $93 $124 $186
Fairbanks Ranch CDP, California $109 $145 $218

Poway, CA Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Poway, CA2.0%9.5%
Eucalyptus Hills2.25%14.61%
Santee2.28%10.57%
Ramona2.08%7.79%

Poway Renters Insurance as a Percentage of Rent

Poway Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 65 1.0% $1223
$500 to $749 177 4.0% $1898
$750 to $999 528 14.0% $2648
$1,000 to $1,499 1,194 31.0% $3773
$1,500 or more 1,784 47.0% $5423

Average Cost Of Home Insurance By Company In Areas Nearby Poway For Different Scenarios

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000250NewCentury National359
150000250NewStillwater Ins Co344
200000500NewUSAA367
300000500NewAIG Prop Cas852
300000500NewWawanesa504
4000001000NewGeneral Ins537
4000001000NewWawanesa603
5000001000NewAmerican Reliable1069
7500002500NewUniversal North America875
1500005001-3 YearsWestern Mutual/Residence302
2000005001-3 YearsCalifornia Capital417
2000005001-3 YearsHorace Mann423
3000005001-3 YearsBankers Standard1467
3000005001-3 YearsMAPFRE Group680
3000005001-3 YearsNationwide753
40000010001-3 YearsAmica Mutual780
40000010001-3 YearsWawanesa611
1500005004-6 YearsOregon Mutual392
2000005004-6 YearsPrivilege Underwriters Exch1007
25000010004-6 YearsKemper595
2500005004-6 YearsAIG Prop Cas834
50000010004-6 YearsStillwater Prop & Cas Co1198

Poway, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,800$4,800
Yearly Poway Homeowner Insurance Premium Example $1,800$1,200
Out of Pocket Expense During Claim$1,800$4,800
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $16,200$14,400
Net Savings to Poway Home Owner from High Deductible Plan $1,800

Poway, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Poway, CA Home Replacement Value MORE than Home Value Poway, CA Home Replacement Value LESS than Home Value
Replacement Value $682,000 $401,500
Insurance Premium based on Replacement Value $2,125 $1,250
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $127,000 Risk Exposure from Under Insuring Coverage is $153,500
Premium Impact Insurance cheaper by $475/year Insurance costlier by $400/year

Example Poway Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceAllstateTravelers
Monthly Premium 73105173
Year Built 198120021991
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 2 Baths
Coverage Amount $250000-$300000$400000-$500000More than 10000000
Deductible $500 Deductible$500 Deductible$2500-$5000 Deductible

Sample Home Insurance Rates for Poway, CA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1978 650,000 Wood Shake Roof 2,270 4 $2500-$5000 Deductible 380 4 Brick siding yes
1983 1,155,000 Membrane Roof 4,360 5 $2500-$5000 Deductible 280 2 Stone Siding yes
1980 790,000 Slate Shingles Roof 3,370 4 $2500-$5000 Deductible 1280 8 Fiber-Cement Siding No
1995 665,000 Metal Roof 2,290 3 $1000-$2500 Deductible 1270 7 Stone Siding No
1999 815,000 Tile Roof 3,140 4 $500 Deductible 1390 7 Wood siding No
1975 520,000 Membrane Roof 2,140 5 $1000-$2500 Deductible 420 4 Fiber-Cement Siding yes
2004 440,000 Shingles Roof 1,760 5 $500- $1000 Deductible 120 1 Stucco siding No
1999 500,000 Shingles Roof 2,230 4 $500 Deductible 570 4 Stone Siding No
1973 550,000 Shingles Roof 2,380 4 $2500-$5000 Deductible 90 1 Fiber-Cement Siding yes
1978 500,000 Tile Roof 1,710 4 $500- $1000 Deductible 270 3 Brick siding No
1975 460,000 Asphalt Shingles Roof 1,870 3 $2500-$5000 Deductible 500 6 Wood siding yes
2002 765,000 Asphalt Shingles Roof 2,730 5 $1000-$2500 Deductible 2110 12 Brick siding No
1973 780,000 Wood Shake Roof 2,990 5 > $10,000 Deductible 250 2 Stone Siding No
1973 295,000 Wood Shake Roof 1,470 3 $500- $1000 Deductible 720 10 Brick siding yes
1984 460,000 Tile Roof 1,590 5 $5000 to $10,000 Deductible 680 8 Brick siding yes
2006 435,000 Membrane Roof 1,970 3 $2500-$5000 Deductible 440 5 Fiber-Cement Siding yes
1990 1,020,000 Metal Roof 3,870 5 $500- $1000 Deductible 280 1 Wood siding No
1977 375,000 Slate Shingles Roof 1,540 3 $1000-$2500 Deductible 530 7 Wood siding yes
1975 720,000 Wood Shake Roof 2,960 5 $2500-$5000 Deductible 840 5 Vinyl siding No
1998 460,000 Asphalt Shingles Roof 1,890 3 $2500-$5000 Deductible 740 9 Vinyl siding No
2004 515,000 Tile Roof 2,170 3 $2500-$5000 Deductible 1260 10 Stone Siding yes
1981 395,000 Composition Roof 1,860 3 > $10,000 Deductible 150 3 Stucco siding No
1971 270,000 Tile Roof 1,280 3 $5000 to $10,000 Deductible 430 9 Stone Siding No
1994 625,000 Composition Roof 2,660 4 > $10,000 Deductible 900 12 Vinyl siding No
1988 585,000 Slate Shingles Roof 2,370 3 $500- $1000 Deductible 650 4 Stucco siding yes
2006 765,000 Shingles Roof 2,830 4 $1000-$2500 Deductible 960 7 Vinyl siding yes
2001 425,000 Composition Roof 1,590 3 $1000-$2500 Deductible 810 8 Fiber-Cement Siding No
1990 1,285,000 Membrane Roof 4,460 5 $500 Deductible 1750 6 Stucco siding yes
2004 450,000 Tile Roof 1,600 3 $500- $1000 Deductible 530 5 Vinyl siding yes
2001 410,000 Metal Roof 1,670 3 $500- $1000 Deductible 410 6 Fiber-Cement Siding yes
2003 690,000 Wood Shake Roof 2,910 4 $1000-$2500 Deductible 270 2 Wood siding yes
2003 965,000 Composition Roof 3,280 4 $500 Deductible 1310 5 Stone Siding No
1987 545,000 Shingles Roof 2,490 4 $500- $1000 Deductible 490 4 Stone Siding yes

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